--- title: How PayByCloud Is Redefining Integration for ISVs description: Cloud-based payments are changing the payments landscape and streamlining solutions for integrators. Find out how Payroc’s PayByCloud works. image: https://blog.payroc.com/hubfs/AdobeStock_555641722-1068x801-7c5b64b.png --- [Skip to Content](https://blog.payroc.com/how-payroccloud-is-changing-the-game-for-integrators#main-content) ![USA flag](https://payroc.com/wp-content/themes/payroc/assets/us-flag.svg) United States - [![USA flag](https://payroc.com/wp-content/themes/payroc/assets/us-flag.svg) United States](https://blog.payroc.com/) - [![Canada flag](https://payroc.com/wp-content/themes/payroc/assets/ca-flag.svg) Canada](https://payroc.com/en_ca/) [EN](https://payroc.com/en_ca/?utm_content=language-button) [FR](https://payroc.com/fr/?utm_content=language-button) - [![United Kingdom flag](https://payroc.com/wp-content/themes/payroc/assets/uk-flag.svg) United Kingdom](https://uk.payroc.com/) - [![Puerto Rico flag](https://payroc.com/wp-content/themes/payroc/assets/pr-flag.svg) Puerto Rico](https://dynamicspayments.com/) [Payroc Wins Four Global Cards & Payments Innovation Awards 2026](https://www.prnewswire.com/news-releases/payroc-wins-four-global-cards--payments-innovation-awards-2026-302876385.html) [![Payroc - 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[Developers](https://docs.payroc.com/welcome) - Sign in Back Gateways [Payroc Gateway](https://payments.payroc.com/merchant/selfcare/) [IBX](https://gateway.ibxpays.com/vt/login.aspx) [Worldnet](https://payments.worldnettps.com/merchant/selfcare/) [Caledon](https://dashboard.caledoncard.com) [iTransact for Agents](https://gateway.itransact.com/h/cp/user_sessions/landing) [iTransact for Merchants](https://gateway.itransact.com/h/cp/user_sessions/landing) [Third-party Gateways](https://payroc.com/third-party-gateways/) Systems [Payroc Insights](https://payroc.partnerengage.com/Account/Login) [Roc Services](https://services.rocpos.com/) [Roc Terminal+](https://terminalplus.rocpos.com/) [Sales Portal](https://sales.payroc.com/Login.aspx) [MSPWare](https://nxgen.mspware.com/Beta#/Login) [Third-party Systems](https://payroc.com/third-party-systems/) - [Contact us](https://payroc.com/contacts/) [Back to Blog](https://blog.payroc.com) # How Payroc Cloud Is Changing the Game for Integrators Posted on Feb 27, 2024 By [Walter Greaney](https://blog.payroc.com/author/walter-greaney) - [**Software**](https://blog.payroc.com/tag/software) - [**Integrated Payments**](https://blog.payroc.com/tag/integrated-payments) - [**ISV**](https://blog.payroc.com/tag/isv) ![Developers integrating payments.](https://blog.payroc.com/hubfs/AdobeStock_555641722-1068x801-7c5b64b.png) Share this: - - - In the payments world, cloud technology is poised to transform the industry. By leveraging the scalability, reliability, and accessibility of a cloud-based payment system, any digital device can be freed of the limitations inherent to traditional payments. Instead, cloud-based payments process digitally, agnostic of physical point-of-sale terminals. Between card-present and contactless purchases, online orders, and everything in between, cloud-based payments offer a completely omnichannel solution with a world of opportunities. Payroc has seized on that opportunity with the development of Payroc Cloud. ## What is Payroc Cloud? Payroc Cloud allows integrators to take advantage of Payroc’s full stack of payments solutions on a variety of hardware terminals with little to no coding effort. Payroc Cloud also solves for integrators’ need to find a single gateway for multiple payment types. The benefits of Payroc Cloud are plenty. ### Simplified Integration Historically, integrators leveraging both card-not-present (CNP) and card-present (CP) solutions rely on a dual or split integration where the POS calls the gateway for CNP and the device for CP payments. The integration itself is lengthy and requires quite a bit of coding and testing to make sure that payments are processed correctly. And if the integrator is utilizing different processors, they also have to handle the settlements process separately. Payroc Cloud simplifies the entire process, making it possible for integrators to take advantage of CP payments through the same gateway. This simplified API code means less time developing core payment solutions and more time for the ISV to focus on their own software applications. ### Lower Cost For ISVs and merchants alike, managing multiple payment devices requires costly development, testing, and certification cycles that are time-consuming and outdated. Payroc Cloud eliminates these activities and delivers a wide range of benefits for ISVs, merchants, and Payroc. ### Greater Flexibility and Scalability Another advantage of Payroc Cloud is the flexibility and scalability it affords integrators and merchants. The integrator can choose to offer one or multiple devices available on Payroc Cloud or take advantage of any other advancements or new devices added in the future. With a single integration, it’s easy to set it and forget it. ### Faster Speed to Market More flexibility means companies can deploy payment technologies much faster compared to using a traditional IT system. Cloud-based payments systems like Payroc Cloud allow integrators to deploy any payment technology, in any market, within weeks. ## How Does Payroc Cloud Integrate Within the Payroc Ecosystem? Payroc Cloud sits on top of the Payroc gateway, giving merchants access to all available functionality and solutions. ### Payment Solutions Integrators working with Payroc can add Payroc Cloud to the solutions they offer, including hosted payment pages, virtual terminals, shopping carts, and accounts receivable. Even payments solutions in the Payroc Choice family of products can be added to the integrator’s offering. One of the most popular is RewardPay Choice. #### Payroc’s RewardPay Choice Payroc’s RewardPay Choice is a natural fit for merchants because it gives them the ability to offer options to their customers and typically helps reduce their cost of card acceptance by up to 70% compared to traditional flat-rate or interchange-plus pricing plans. Granted, if a merchant’s debit to credit card ratio is high, this may not be the best option, but it’s still much cheaper to accept debit cards than credit cards. By including solutions like RewardPay Choice, integrators give merchants the choice of how they want to accept payments, and merchants give end consumers the choice of how they want to pay. So, this surcharging model is a win-win-win for integrators, merchants, and end customers. #### Payroc ConsumerChoice Payroc’s Consumer Choice is a dual-pricing program that gives customers the “choice” of making a standard payment with their credit card or paying a form of cash. Both prices are displayed on the payment device in CP environments. In CNP environments, customers can “click to pay” and choose to pay by credit card or ACH, with prices for each. Payroc leverages an electronic check processing platform integrated into the Payroc gateway ecosystem, which also allows for a margin on cash payments. ### Device Agnostic One of the most exciting aspects of Payroc Cloud is its broad device availability, including Ingenico’s newest line, the AXIUM Series. As new Android hardware becomes available, they are added into the ecosystem so that downstream integrators can take advantage of these benefits. Payroc Cloud is compatible with any type of hardware that integrates with Payroc, as well as a range of POS systems. And because Payroc handles all of the PCI certification for devices, there’s no need to worry on the integrator or the merchant side of the business. Cloud-based payments stand to truly revolutionize the industry and reshape what’s possible for financial transactions. In turn, Payroc Cloud offering allows integrators to break free from traditional constraints, enhance security, simplify integrations, and provide unparalleled convenience to businesses of all sizes and industries. For more information about Payroc Cloud and other Payroc products, contact us. ## Get started with Payroc No matter where you are in your payments journey—whether you're a merchant, agent, referral partner, or software developer—we're here to help. [Contact us](https://payroc.com/contacts/) Solutions Payments - [Gateway](https://payroc.com/solutions/gateway/) - [Virtual Terminal](https://payroc.com/solutions/virtual-terminal/) - [ACH](https://payroc.com/solutions/ach/) - [Payroc Cloud](https://payroc.com/solutions/cloud/) - [Payment Links](https://payroc.com/solutions/paymentlinks/) - [Pricing Programs](https://payroc.com/solutions/pricing-programs/) - [Roc Giving](https://payroc.com/solutions/roc-giving/) - [Global Payment Orchestration](https://payroc.com/solutions/payment-orchestration/) - [Invoicing and Billing](https://payroc.com/solutions/invoicing-and-billing/) Point of Sale - [Roc Services](https://payroc.com/solutions/roc-services/) - [Roc Terminal+](https://payroc.com/solutions/roc-terminal/) - [Terminals](https://payroc.com/solutions/payment-devices/) - [Bodega Ai](https://payroc.com/solutions/bodega-ai/) Developers - [APIs](https://payroc.com/solutions/apis/) - [Integration Essentials](https://payroc.com/solutions/prebuilt-integrated-payment-solution-for-saas/) - [Payments](https://payroc.com/solutions/payments-api/) - [Boarding](https://payroc.com/solutions/boarding-api/) - [Funding](https://payroc.com/solutions/funding-api/) - [Reporting](https://payroc.com/solutions/reporting-api/) - [Developer Docs](https://docs.payroc.com/) Who We Serve - [ISVs/SaaS Providers](https://payroc.com/industries/saas-vendors/) - [Payments-as-a-Service (PaaS)](https://payroc.com/industries/payroc-path/) - [Unattended](https://payroc.com/industries/unattended/) - [Sales Partners](https://payroc.com/industries/sales-partners-agent/) - [Referral Partners](https://payroc.com/industries/referral-partners/) - [Merchants](https://payroc.com/industries/merchants/) - [Financial Institutions](https://payroc.com/industries/financial-institutions/) Resources - [Support Hub](https://support.payroc.com/) - [Blog](https://blog.payroc.com/) - [Awards and Press](https://payroc.com/about/awards-and-press/) - [Case Studies](https://payroc.com/case-studies/) - [Product Updates](https://payroc.com/product-updates/) - [Feature Log](https://payroc.com/feature-log/) - [Events](https://payroc.com/events/) - [Careers](https://payroc.com/about/careers/) About - [Company History](https://payroc.com/about/company-history/) - [Our Community](https://payroc.com/about/our-community/) - [Our Team](https://payroc.com/about/our-team/) - [Diversity and Inclusion](https://payroc.com/about/diversity-and-inclusion/) --- **System status** All systems operational Payroc WorldAccess, LLC or its subsidiaries (“Payroc”) is a registered Independent Sales Organization (ISO) of Fifth Third Bank, N.A., Cincinnati, OH, Peoples Trust Company, Vancouver, BC, Canada, PNC Bank, N.A., Pittsburgh, PA, Wells Fargo Bank, N.A., Concord, CA, Wells Fargo Bank, N.A., Canadian Branch, Toronto, ON, Canada, Citizens Bank, N.A., Providence, RI, Merrick Bank Corporation, South Jordan, UT, Woodforest National Bank, The Woodlands, TX and KeyBank, N.A., Cleveland, OH. Payroc is a registered Encryption Support Organization (ESO), Payment Facilitator (PF), Third-Party Servicer (TPS), Merchant Service Provider (MSP), and a Third-Party Agent (TPA) of Fifth Third Bank, N.A., Cincinnati, OH. - - - - [![Payroc BBB Business Review](https://payroc.com/wp-content/uploads/2026/05/bbb-accredited-business.png)](https://www.bbb.org/us/il/tinley-park/profile/payment-processing-services/payroc-0654-90002110/#sealclick) Copyright © 2026 Payroc WorldAccess, LLC - [Legal](https://payroc.com/legal/) - [Accessibility Statement](https://payroc.com/accessibility-statement/) - [Reviews](https://payroc.com/reviews/) ```json { "@context" : "https://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "Walter Greaney", "url" : "https://blog.payroc.com/author/walter-greaney" }, "dateModified" : "2025-08-01T20:30:01.523Z", "datePublished" : "2024-02-27T20:18:15.000Z", "headline" : "How PayByCloud Is Redefining Integration for ISVs", "image" : [ "https://blog.payroc.com/hubfs/AdobeStock_555641722-1068x801-7c5b64b.png" ], "mainEntityOfPage" : { "@id" : "https://blog.payroc.com/how-payroccloud-is-changing-the-game-for-integrators", "@type" : "WebPage" }, "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://blog.payroc.com/hubfs/payroc-logo-navy-1.png" }, "name" : "Payroc" } } ```